New and Used Vehicle Rates

Rates apply to 2017 or newer models if conditions are met.
Last Updated: June 28, 2024, 12:22 pm

Terms APR
36 Months 5.94% APR*
48 Months 6.24% APR*
60 Months 6.44% APR*
72 Months 6.74% APR*
84 Months 7.24% APR*
*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.

Used Vehicle Rates

Rates apply to vehicle models more than 7 years old if conditions are met.
Last Updated: June 28, 2024, 12:23 pm

Terms APR
36 Months 6.44% APR*
48 Months 6.74% APR*
60 Months Call for rates
72 Months Call for rates
84 Months Call for rates
*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.

Recreational Vehicle Rates

Last Updated: July 11, 2024, 1:44 pm

Type APR Terms Conditions
New Motor Homes 5.49% APR* 48 Months Terms up to 144 months available.
Used Motor Homes 5.74% APR* 48 Months Terms up to 144 months available.
New Boats 5.49% APR* 48 Months Terms up to 144 months available.
Used Boats 5.74% APR* 48 Months Terms up to 144 months available.
Motorcycles New and Used 5.49% APR* 48 Months Terms up to 84 months available.
Classic Cars 7.25% APR* 48 Months Minimum value or $15,000. Vehicle must be 10 years or older. Call for details and conditions.
*APR=Annual Percentage Rate. Rates are stated "as low as". Rates and terms are based on creditworthiness and subject to change. Rates may change with term length. Additional conditions may apply. See credit union for details.



Personal Loan Rates

Last Updated: July 11, 2024, 1:46 pm

Type APR Terms Conditions
Overdraft Line of Credit 13.00% APR*
Visa 8.99% APR*
Personal/Unsecured 9.99% APR*
Share Secured 3.10% APR* 36 months
Share Secured 4.10% APR* 37 to 120 months
Business Loan Products Offered Contact Credit Union for Rates
*APR=Annual Percentage Rate. Rates are stated "as low as". Rates and terms are based on creditworthiness and subject to change. Rates may change with term length. Additional conditions may apply. See credit union for details.

Savings and Investment Rates

Last Updated: July 11, 2024, 2:07 pm

Type APY Dividend Rate Conditions
Regular Shares 0.10% APY* 0.10% $0.01 to $9,999.99
Regular Shares 10k+ 0.14% APY* 0.14% $10,000 and above
*APY= Annual Percentage Yield. Rates are subject to change without notice.

Club Account Rates

Last Updated: July 11, 2024, 2:08 pm

Type Dividend Rate APY Conditions
Christmas Club 0.10% 0.10% APY* Account is subject to fees for early withdrawal.
Vacation Club 0.05% 0.05% APY*
Auxiliary Account 0.10% 0.10% APY* Rate increases at $10,000 level
*APY= Annual Percentage Yield. Rates are subject to change without notice.

IRA Rates

Last Updated: July 11, 2024, 2:08 pm

Type Dividend Rate APY Conditions
IRA 0.40% 0.40% APY* $100 to $9,999.99
IRA 10k+ 0.45% 0.450% APY* $10,000 and above
*APY= Annual Percentage Yield. Rates are subject to change without notice.

Money Market Rates

Last Updated: July 11, 2024, 2:09 pm

Product Dividend Rate APY Conditions
$10k to $24,999 2.96% 3.00% APY* $10,000 to $24,999.99
$25k to $99,999 3.06% 3.10% APY* $25,000 to $99,999.99
$100k to $149,999 3.15% 3.20% APY* $100,000 to $149,999.99
$150k+ 3.35% 3.40% APY* $150,000 to $249,999
*APY= Annual Percentage Yield. Rates are subject to change without notice.

Certificate Rates

Last Updated: July 11, 2024, 2:09 pm

Product Rate APR Conditions
6 Month 0.90% APY* 0.90% $5,000 to $100,000
9 Month 1.00% APY* 1.00% $25,000 to $100,000
12 Month 1.25% APY* 1.24% $5,000 to $24,999.99
12 Month 25k+ 1.35% APY* 1.34% $25,000 to $100,000
*APY = Annual Percentage Yield. Rates are subject to change. Please contact a branch or check your statement for your CD rates.





Home Loan Rates

Last Updated: July 19, 2024, 9:08 am

Type Rate APR Conditions
Home Equity Lines of Credit Call for Current Rates Up to 240 Months Variable Rate Loan
Business Home Equity Line Of Credit Call for Current Rates Variable Rate Loan
First Mortgages 30 Year 6.500% 6.699% APR* 30-Year Fixed Rate
First Mortgages 15 Year 5.750% 5.994% APR* 15-Year Fixed Rate
Residential Lot Loans Call for Current Rates
*APR=Annual Percentage Rate. Rates are displayed "as low as". Your rate may be higher based on credit, market rate, and other factors. Sierra Pacific FCU is an equal housing opportunity lender and federally insured by the NCUA.

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Sierra Pacific Federal Credit Union